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| Provider | Service type | Compensation |
|---|---|---|
CADARET GRANT & CO INC2 years Service code 15 · EIN 22-2361254 | Recordkeeping | $16,901 |
ADP BROKER-DEALER1 year Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $2,300 |
ADP BROKER-DEALER4 years Service code 59 · EIN 22-3319984 | Shareholder Servicing | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $39,001 | $62,132-37.2% | $185,827-79.0% | $73,493-46.9% |
| Participation rate | 53.2% | 67.8%-14.6pp | 78.0%-24.8pp | 70.7%-17.4pp |
| Annual return | 14.79% | 20.44%-5.6pp | 35.96%-21.2pp | 28.51%-13.7pp |
| Employer contribution / active EE | $338 | $1,681-79.9% | $4,087-91.7% | $2,270-85.1% |
| Participant deferral / active EE | $2,202 | $3,711-40.7% | $5,633-60.9% | $3,740-41.1% |
| Admin fee / account holder | $149 | $419-64.5% | $9,502-98.4% | $513-71.0% |